How do I pay for all this? I follow the 60% budget solution—4% of my gross income goes toward fun and travel, and 2.5% goes toward a new motorcycle. It also helps that I’m single with no kids (for now!), and that I live in California, where I have easy access to my activities.

Travel in groups. I split yacht rentals with 9 other people. We carpool on snowboarding trips, split a rental condo, and eat in.

Volunteer. I teach a sailing class every summer, so I sail for free!

DIY. I do most of my own motorcycle maintenance.

Break it down. What are your expensive pleasures, and how do you pay for them?